加密貨幣融入金融體系：歐洲尋求綜合框架

歐洲擁抱加密貨幣一體化：瑞士處於領先地位，MiCAR旨在到2025年促進採用，加密貨幣市值超過2.4萬億歐元，用區塊鏈技術挑戰傳統金融，代幣化和監管旨在確保加密貨幣在歐洲市場的一體化和安全。

Cryptomoney in the Financial Sphere: Europe's Move towards Integration

金融領域的加密貨幣：歐洲走向一體化

Introduction

介紹

As Switzerland blazes a trail in integrating cryptocurrency into its financial marketplace, Europe is embarking on a race to catch up. The question arises: Are we prepared to embrace the prospect of paying our taxes in digital currency?

隨著瑞士在將加密貨幣融入其金融市場方面開闢了道路，歐洲正在展開一場追趕的競賽。問題出現了：我們準備好接受數位貨幣納稅的前景了嗎？

Switzerland: A Pioneer in Crypto Adoption

瑞士：加密貨幣採用的先驅

At a banking symposium in Geneva last September, executives from the Crypto Valley Association emphasized that traditional banks worldwide are experiencing an urgent need to adapt to the growing adoption of digital assets. In response, countries such as Switzerland have already initiated the integration of cryptocurrencies into the conventional economy. Today, some Swiss residents can settle their tax obligations using cryptocurrencies.

去年 9 月在日內瓦舉行的銀行業研討會上，加密谷協會的高層強調，全球傳統銀行正迫切需要適應數位資產日益普及的趨勢。作為回應，瑞士等國家已經開始將加密貨幣融入傳統經濟。如今，一些瑞士居民可以使用加密貨幣來解決納稅義務。

Europe's Regulatory Framework: MiCAR

歐洲監管框架：MiCAR

Meanwhile, Europe is preparing a comprehensive regulatory framework for cryptocurrencies: the Markets in Crypto-Assets Regulation (MiCAR). Set to take effect on January 1, 2025, MiCAR aims to facilitate the seamless integration of cryptocurrencies into the traditional financial system.

同時，歐洲正在準備一個針對加密貨幣的全面監管框架：加密資產市場監管（MiCAR）。 MiCAR 將於 2025 年 1 月 1 日生效，旨在促進加密貨幣與傳統金融系統的無縫整合。

Blockchain Technology: A Decentralized Revolution

區塊鏈技術：去中心化革命

Underlying the operation of cryptocurrencies is blockchain technology. It eliminates the need for intermediaries, thereby reducing costs. Moreover, the cryptography inherent in blockchain is viewed as a safeguard for protecting customer assets.

加密貨幣運作的基礎是區塊鏈技術。它消除了對中間商的需求，從而降低了成本。此外，區塊鏈固有的密碼學被視為保護客戶資產的保障措施。

Much like the transition from credit card payments to the likes of Apple Pay or Google Pay, blockchain technology has the potential to revolutionize the traditional economy, rendering transactions more transparent and efficient.

就像從信用卡支付轉向 Apple Pay 或 Google Pay 等支付方式的轉變一樣，區塊鏈技術有可能徹底改變傳統經濟，使交易更加透明和有效率。

Cryptocurrencies: A Booming Asset Class

加密貨幣：蓬勃發展的資產類別

As of late, the global market capitalization of cryptocurrencies has surpassed €2.4 trillion, approximately half the nominal GDP of Germany. Despite their volatility, cryptocurrencies are increasingly being perceived as safe havens, akin to gold.

截至目前，加密貨幣的全球市值已超過 2.4 兆歐元，約為德國名目 GDP 的一半。儘管存在波動性，但加密貨幣越來越被視為類似於黃金的避風港。

Among the most popular cryptocurrencies are Bitcoin, which recently hit a new value high, and Ethereum. A growing number of financial analysts posit that the future of investment may lie in "tokenization," the transformation of conventional assets into digital tokens.

最受歡迎的加密貨幣包括比特幣和以太坊，比特幣最近創下了新的價值高點。越來越多的金融分析師認為，投資的未來可能在於“代幣化”，即將傳統資產轉變為數位代幣。

Challenges to a Comprehensive Crypto Transition

全面加密貨幣轉型面臨的挑戰

While cryptocurrencies have gained traction operating beyond the purview of government oversight, their integration into the mainstream for broader use necessitates regulation that ensures security. Notably, there are currently over 13,000 cryptocurrencies in existence, with close to 9,000 possessing market value.

儘管加密貨幣已經在政府監管範圍之外運行，但它們融入主流以實現更廣泛的使用需要確保安全的監管。值得注意的是，目前存在超過 13,000 種加密貨幣，其中近 9,000 種具有市場價值。

Switzerland: Integrating Crypto into Everyday Life

瑞士：將加密貨幣融入日常生活

In Switzerland, certain businesses are already required to obtain licensing under anti-money laundering regulations. In the canton of Zug, residents and businesses can settle their tax bills in Bitcoin or Ethereum. In Lugano, residents can scan a QR code on their invoice and select their preferred cryptocurrency mobile wallet to make their payment.

在瑞士，某些企業已經被要求根據反洗錢法規獲得許可。在楚格州，居民和企業可以用比特幣或以太幣結算稅單。在盧加諾，居民可以掃描發票上的二維碼，然後選擇他們喜歡的加密貨幣行動錢包進行付款。

European Regulations for the Crypto Economy

歐洲加密經濟法規

The successful integration of cryptocurrencies into the European financial system hinges upon clear and precise regulation. Europe would do well to draw inspiration from the Swiss model, which empowers authorities to ascertain the ownership of bitcoins during peer-to-peer transactions. With that said, to what extent is a crypto-dominated economy realistic, and if so, within what timeframe?

加密貨幣能否成功融入歐洲金融體系取決於清晰且精確的監管。歐洲最好從瑞士模式中汲取靈感，該模式使當局能夠在點對點交易中確定比特幣的所有權。話雖如此，加密貨幣主導的經濟在多大程度上是現實的？

Conclusion

結論

The integration of cryptocurrencies into the financial mainstream is an ongoing process with significant implications for Europe. As the continent navigates the complexities of regulation and addresses the challenges associated with a decentralized digital currency ecosystem, the question remains: Is Europe ready to embrace the crypto revolution fully?

加密貨幣融入金融主流是一個持續的過程，對歐洲有重大影響。隨著歐洲大陸應對監管的複雜性並解決與去中心化數位貨幣生態系統相關的挑戰，問題仍然存在：歐洲準備好全面擁抱加密貨幣革命了嗎？